City of Dayton Down Payment Assistance Program

City of Dayton Down Payment Assistance Program是面向Dayton，Ohio购房者的延期第二贷款。 City of Dayton-funded down payment assistance administered by The HomeOwnership Center. Up to $10,000 forgivable over 5 years for first-time buyers within Dayton city limits. Up to $10,000 in down payment and closing cost assistance for first-time homebuyers purchasing within City of Dayton limits. 0% interest, deferred 5-year forgivable second mortgage administered by The HomeOwnership Center, a HUD-approved housing counseling agency. Funds for down payment, closing costs, and minor pre-purchase repairs. 资金来自Local、City、CDBG和HOME。

City of Dayton Down Payment Assistance Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Pro rata recapture if owner sells, refinances, or vacates within 5-year affordability period。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

City of Dayton Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Standard FTHB waivers per HUD HOME。 关于信用，该项目说明：640 minimum FICO recommended; lender overlays apply。 须参加购房者教育课程，由The HomeOwnership Center (HOC) — required 8-hour pre-purchase homebuyer education plus one-on-one counseling提供。 居住要求：Property within City of Dayton corporate limits, owner-occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent resident per HUD HOME。 First-time homebuyer. Property within City of Dayton corporate limits as primary residence. <=80% AMI Dayton MSA (Montgomery County). HOC pre-purchase homebuyer education and counseling required. Minimum borrower contribution. Property must pass City of Dayton/HUD HOME property standards inspection.

City of Dayton Down Payment Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% Dayton MSA AMI per HUD HOME limits. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

City of Dayton Down Payment Assistance Program的房价上限如下：Per HUD HOME 95% area median sales price for Montgomery County。 符合条件的房屋类型包括Single-family detached, condo, townhouse, 1-2 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

City of Dayton Down Payment Assistance Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

City of Dayton Down Payment Assistance Program服务于在Dayton，Ohio购房的购房者。 该项目针对特定区域：City of Dayton CDBG-eligible neighborhoods。

City of Dayton Down Payment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Apply via The HomeOwnership Center; subject to annual City of Dayton CDBG/HOME allocation预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。